Blue Cross Blue Shield
Blue Cross and Blue Shield (BCBS) owns 36 different health insurance organizations, independent and regionally operated, and includes the Blue System. BCBS has enrolled over half of all federal employees in their network as part of the Federal Employee Program.
Blue Cross Blue Shield family and individual plans are grouped into three to four categories, depending on which state you reside: bronze, silver, gold, and platinum plans. Bronze plans have the lowest costs, while platinum plans require the highest monthly costs. Some states do not offer platinum plans. Blue Cross Blue Shield recommends the bronze level plan for people who do not visit the doctor often, as this plan requires a low monthly payment and a high deductible. Listed below are ways Blue Cross Blue Shield can help you inquire into a substance addiction detox and treatment.
Blue Cross Blue Shield Plans
The different tiered plans of Blue Cross Blue Shield will include:
- Bronze: This plan covers about 60% of medical costs, with a low monthly payment and a higher deductible.
- Silver: This plan covers about 70% of medical costs, with a slightly higher monthly payment and a lower deductible.
- Gold: This plan covers about 80% of medical costs, with a higher monthly payment and a lower deductible.
- Platinum: This plan covers about 90% of medical costs, with the highest monthly payment and lowest deductible.
Blue Cross Blue Shield health insurance will vary by state, so you should check your state’s specific coverage details before enrolling.
Does Blue Cross Blue Shield Cover Addiction Treatment?
Nearly all Blue Cross Blue Shield insurance plans cover substance abuse treatment and mental health issues, but the amount of coverage will depend on the policy.
The Federal Employee Program covers individual and group therapy sessions that patients attend during an intensive outpatient program, but patients are responsible for the copayment.
There may be a requirement to obtain pre-certification prior to seeking residential addiction treatment. Again, the payment amount owed for Blue Cross Blue Shield addiction treatment will vary, so it is crucial to check your plan’s specifications.
Does Blue Cross Blue Shield Cover Mental Health?
Almost all Blue Cross Blue Shield plans to cover mental health conditions, but the amount of coverage for therapy will depend on your policy.
Does Blue Cross Blue Shield Cover Medical Detox?
Some Blue Cross Blue Shield companies have contracts with providers across the nation. Numerous government employees have medical detox and inpatient treatment visits covered under their Federal Employee Program. Some health insurance plans cover Blue Cross Blue Shield drug and alcohol rehab.
During the detox process, the patient’s body adjusts to the lack of alcohol or other substance of choice. Withdrawal symptoms will vary depending on the substance used, the length of usage, the average dosage, and the patient’s physiology. For example, marijuana withdrawal symptoms are less severe than opioid, benzo, and alcohol addiction withdrawal symptoms, which can be very uncomfortable and sometimes dangerous.
Depending on the substance used, withdrawal symptoms may include depression, anxiety, tremors, paranoia, irritability, nausea, vomiting, and cravings.
Some of the more severe withdrawal symptoms include delusions, high blood pressure, high body temperature, seizures, hallucinations, and delusions. Delirium and seizures are also common in severe sedative or alcohol withdrawal.
How Long Will Blue Cross Blue Shield Plans Cover Rehab?
No two people will recover from substance addiction at the same pace. This is why Blue Cross Blue Shield offers plans that consider other circumstances when it comes to substance addiction treatment.
Rather than giving a set length of time, Blue Cross Blue Shield covers a portion of a patient’s treatment rehab, depending on the deductible and amount of coverage. For those with additional coverage through an employer, there may be ways to qualify for a lengthier stay, such as choosing a less expensive treatment facility. Blue Cross Blue Shield and the addiction treatment center will keep all information private, regardless of the rehab center’s residential treatment duration.
Specialty Substance Addiction Treatment
The Mental Health Parity and Addiction Equity Act demands that health insurance organizations and group health policies must provide equal coverage for mental health services, like substance addiction treatment, like they do with medical coverage.
This act was designed to increase mental health and substance addiction coverage for people in the US. From there, Blue Cross Blue Shield companies can provide members with affordable coverage, displayed in the pricing. For example, an extensive stay at a preferred inpatient treatment center could cost $250 out of pocket.
Patients may pay $350 plus a set fee for any chosen out of network treatment centers based on the plan’s allowance. By allowing Blue Cross Blue Shield members to choose their recommended treatment center, they had the chance to pick the one that best fits their needs.
Some luxury addiction treatment centers have a variety of amenities which include:
- Elegant dining
- Spa treatments
- Holistic therapy
- State-of-the-art fitness clubs
- Designer materials
Blue Cross Blue Shield Coverage for Inpatient and Outpatient Addiction Treatment
Substance addiction cannot be cured overnight, but with proper help from an addiction specialist in a rehab center, you can take back your life. However, it is crucial to find out if your Blue Cross Blue Shield plan covers inpatient or outpatient treatment programs. From there, you can decide which approved treatment center is the best for you.
For patients looking for a fresh start and needing to get away from friends and loved ones who abuse substances, residential treatment is ideal. An inpatient treatment program provides patients with 24/7 monitoring, support, and therapy. Numerous patients have benefited from the structure that inpatient treatment programs provide.
For those with a mild addiction, a reliable support system, and a stable home, an outpatient treatment center might be best. Patients can schedule therapy sessions around the school, work, and other obligations while returning home every night. Patients will check into the outpatient treatment or partial hospitalization program about three to five days per week for up to five hours per day.
Treatment Options for People Without Insurance
Unfortunately, not everybody has access to health insurance through a top provider, but those without still deserve treatment from an exceptional rehab center. For any of the millions of uninsured Americans, now is the best time to work out a payment plan with a rehab facility. For example, some centers allow patients to pay a small amount each month and make installations until it is paid off. Some rehab centers will even agree to begin treatment immediately after the first payment.
Several programs offer sliding scale choices, in which the treatment price is tailored to your salary and what you can realistically afford. Some other options include grants or scholarships.
The Importance of Receiving Help for Substance Addiction
Studies show that nearly 22 million U.S. citizens needed substance addiction treatment in 2015, but only about 2.3 million people received it. This means that less than 11% of Americans who required addiction treatment never got it.
There are many roadblocks on the path to receiving addiction treatment, including cost, but that shouldn’t keep anybody from getting sober and back to a healthy lifestyle. By contacting your Blue Cross Blue Shield plan administrator, you can determine which addiction treatment centers accept your insurance plan. If you choose a rehab center that is not covered under your plan, you can contact the center directly to find out payment options.
Questions to ask Regarding Your Blue Cross Blue Shield Policy
The more you know about your insurance plan and what it covers for rehab, the better. A few questions that can guide your search for an ideal addiction treatment center best for you include:
- Which types of treatment programs do my plan cover?
- Are there any restrictions on forms of therapy?
- For how long is my rehab stay covered?
- Which treatment centers are in-network and out of network?
- Does my insurance plan cover medications used during detox and treatment?
Information to Have Available When Calling A Treatment Center
When calling your treatment center of choice, you must have relevant insurance information on hand. The admissions counselor will ask several questions regarding you or your loved one’s substance addiction. During the phone call, have your insurance card ready so the admissions counselor can verify what you’re covered for using your policy number.
Some other helpful information to have on hand include the specific substances used, how long they’ve been used, the average amount used, and the method of using, like injecting. You should mention any medical concerns like pregnancy as well.
It’s also helpful to provide the admissions counselor with information on any co-occurring mental health disorders like anxiety, depression, schizophrenia, or personality disorder. It’s not unusual for someone to suffer from both a mental health disorder and addiction. Therefore, many addiction treatment centers specialize in dual diagnosis therapy to care for both at once.
Allow New Directions For Women to Verify Your Insurance Policy
When it comes to receiving substance addiction detox and treatment, thinking about cost can worry patients. However, many people don’t realize how affordable addiction treatment can be with health insurance coverage. Hearing more about which services your insurance policy covers should ease your worries. Here at New Directions For Women, our admissions specialists can help you verify your insurance coverage.
Don’t allow detox and rehab costs to keep you or your loved one from taking the first step toward recovery. Contact New Directions For Women today to verify your rehab insurance coverage and determine how affordable treatment can be.